# Arat Capital \| ارات المالية — استثمر بأخو العقار > Sharia-compliant real estate financing and investment platform for SMEs and investors. (iPhone/iPad app by ARAT FINANCIAL COMPANY.) - Source: https://appshunter.io/ios/app/arat-capital/id6464424894 (this page in markdown: same URL + `.md`) - Developer: [ARAT FINANCIAL COMPANY](https://appshunter.io/developer/1705955421) - Category: Finance - Price: Free - Rating: 5.00/5 from 6 App Store ratings - Age rating: 17+ - Requires: iOS 15.1 · 74 MB - Languages: English - Released: 2023-12-18 - Data updated: 2026-06-04 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/arat-capital/id6464424894/reviews.md ## What is Arat Capital | ارات المالية? ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority (CMA) Join Arat Financing Platform now and have access to : - Instant Financing: Arat issues sukuk as investment and debt instruments for SME real estate developers, offering up to 20 million in funds. - Investment opportunities with competitive returns: We offers individual and institutional investors opportunities to invest in Real Estate Backed projects App Features: 1- Request Instant financing: You can get an Instant financing if you are a SME 2- Investment opportunities with competitive returns and backed up by government & corporate Purchase orders. 3- Auto Invest Nomination: Feature that allows you to define your investment preferences for future opportunities so that the application will alert you once the opportunities are available and nominate you to invest in opportunities that match with the level of risk set by you. 4- Mokafa’a Points Program: Take advantage of your Purchase orders in your wallet and get points from the Mokafa’a points program to increase your chances of participating in future investments, or to get gifts and value discounts through our partners. 5- (Coming Soon) Expense Management Cards: We’ll facilitate the management of company expenses through Sharia-compliant company credit cards. Key Benefits for Investor? - flexible and short-term Investment - Investments are backed up by Real Estate Guarantees - Compliant with Sharia Law as well as KYC and AML, CFT regulations - Very limited correlation to capital market performance - Auto Invest Nomination feature Key Benefits for SMEs? - On-demand Sukuk financing solution. - Immediate initial approval & Final Approval within 5 days - Flexible rates starts at 1%/Month with early payment discount - Off-balance funding, Approved and in compliance with Sharia Law ARAT Capital is a licensed platform by the Financial Technology Laboratory of the Capital Market Authority (CMA). We maintain the entire funding process in accordance with Islamic regulations and have been certified by the Sharia Review. We worked with Islamic finance experts and legal advisors to enforce that our financing solutions are based on the values and principles of Sharia law. ## Key features - Instant financing for SMEs - Real estate backed investment opportunities - Auto-invest nomination - Loyalty points program - Sharia-compliant finance ## Frequently asked questions about Arat Capital | ارات المالية ### What is Arat Capital? Arat Capital is a licensed financial platform that facilitates real estate financing for SMEs and offers investment opportunities backed by real estate. It operates in compliance with Sharia Law. ### Who can get instant financing with Arat Capital? Small and medium-sized enterprises (SMEs) can request instant financing through the Arat Capital platform. The platform issues sukuk as investment and debt instruments for these developers. ### What kind of investment opportunities does Arat Capital offer? Arat Capital provides investment opportunities in real estate-backed projects with competitive returns. These investments are often supported by government and corporate purchase orders. ### How does the Auto Invest Nomination feature work? The Auto Invest Nomination feature allows users to define their investment preferences. The application will then alert them to matching opportunities and nominate them to invest based on their set risk level. ### Is Arat Capital compliant with Islamic law? Yes, Arat Capital is approved and in compliance with Sharia Law. The platform has been certified by the Sharia Review and works with Islamic finance experts to ensure its solutions are based on Sharia principles. ### What are the benefits for SMEs using Arat Capital? SMEs benefit from an on-demand sukuk financing solution, immediate initial approval, and final approval within 5 days. Flexible rates start at 1%/Month with early payment discounts and off-balance funding. ### Does Arat Capital have ads? Arat Capital is free to use and does not contain advertisements. ### What devices is Arat Capital available on? Arat Capital is available on iPhone and iPod devices. ## Version history (last 5 releases) ### 2.0.8 — 2026-04-13 Your investment journey is important to us, and we’re dedicated to enhancing it every day. This update introduces investment certificates, along with more detailed insights into opportunities and payouts, and includes several performance improvements to deliver a smoother, more reliable experience. Thank you for choosing Arat Capital for your investment needs. ### 2.0.7 — 2025-11-07 Your investment journey matters, and we’re committed to making it better every single day. This update brings a range of performance improvements to ensure a smoother and more reliable experience. Thank you for choosing to invest with Arat Capital. ### 2.0.6 — 2025-05-07 We’re always working to make Arat better for you.This update brings general enhancements and improvements for a smoother, more reliable experience. ### 2.0.5 — 2025-04-30 Working always in ARAT to improve our services to offer best experience to you. What is new in this update: - General enhancements. - Fix some bugs. ### 2.0.4 — 2025-04-24 Working always in ARAT to improve our services to offer best experience to you. What is new in this update: - General enhancements. - Fix some bugs. ## Apps similar to Arat Capital | ارات المالية | App | Rating | Price | Category | | --- | --- | --- | --- | | [آفاق المالية](https://appshunter.io/ios/app/id6476932776) | 2.9 (7) | Free | Finance | | [Madak : Fractional Ownership](https://appshunter.io/ios/app/madak-fractional-ownership/id6737251873) | 3.0 (4) | Free | Finance | | [HissaTech](https://appshunter.io/ios/app/hissatech/id6743798365) | 4.2 (5) | Free | Finance | | [Owais Capital: Save & Invest](https://appshunter.io/ios/app/owais-capital-save-and-invest/id6463722548) | 4.2 (46) | Free | Finance | | [sahem ساهم](https://appshunter.io/ios/app/sahem/id6444591966) | 4.4 (10) | Free | Finance | | [Lendo - Short-Term Investment](https://appshunter.io/ios/app/lendo-short-term-investment/id1550930777) | 4.0 (83) | Free | Finance | ## Related topics [arat capital](https://appshunter.io/ios/topics/arat-capital) · [arada partners](https://appshunter.io/ios/topics/arada-partners) --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-04.*